Berlin-based fintech startup Ginkgo, which digitizes corporate pension plans (bAV), has raised €1.6 million in a pre-seed funding round led by Caesar, with support from HEARTFELT_ and Calm/Storm.
- Established in 2024 by Dr Philip Liebenow and Carl Meran, Ginkgo simplifies and modernizes company pensions (bAV) with a digital, cost-efficient solution.
- Its ETF-based pension plan eliminates high commissions and complexity, making retirement savings more accessible and transparent for businesses and employees.
- Ginkgo’s platform automates pension administration, reducing manual effort for companies while ensuring employees can track and grow their savings in real time through an easy-to-use app.
Details of the deal
- The funding round was led by Munich-based VC Caesar, with support from Berlin's HEARTFELT_ and Calm/Storm, a Vienna-based venture capital firm.
"Company pension schemes in Germany still have enormous potential and there is a lot of catching up to do, especially in medium-sized companies," claims Carolin Gabor, a partner at Caesar.
- The fresh funding round will enable Ginkgo to enhance its platform, expand its team, and scale among SMBs. It will also support product development, partnerships, and future financial offerings.
